Full Coverage Auto Insurance

Full Coverage Auto Insurance?

You’ll hear someone say they have full coverage auto insurance but full coverage isn’t a policy. It's a package that includes elements that protect you from liability, provide medical insurance for injuries and make repairs on your vehicle in the event of an accident or other damage.

At QuoteUser we can help you put together a package that will provide the protections you need while assuring your peace of mind knowing that you and your vehicle are fully covered in an accident or other misadventure.

Okay? What does it mean to have full coverage?

It means that you have the following three elements

  • Liability insurance that covers the damages that you may cause to others and their vehicles in an accident which is adjudged to be your fault
  • Collision insurance that makes repairs to your vehicle
  • Comprehensive insurance that covers damage to your vehicle not caused by an accident like, theft, vandalism, weather
  • Other elements typically included in what is termed a full coverage policy can be medical payments for your passengers injuries, uninsured/underinsured motorist if the person at fault is not adequately insured and perhaps towing coverage to get a disabled vehicle to a repair shop.

Your individual health insurance plan may sometimes be referred to as a "benefit package."

Questions?

In a recent study the difference between the least expensive company’s full coverage and the average of a dozen others was about $90 per month. As this figure indicates there is money to be saved

What price peace of mind? Knowing that whatever befalls you and your vehicle there is insurance to take care of it is preferable to worrying about how you will pay for it out of pocket.

If you commute a long distance to work towing might be a worthwhile coverage.Rental car coverage in the event of damage to your vehicle may be an attractive option. Think about your needs and buy what makes sense for you.

Most states require liability insurance but full coverage is not required, If you have purchased or leased a vehicle the lender is certainly going to require it. They may even require certain limits for instance they may not allow you to exceed a $1000 deductible on your collision coverage.

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Comprehensive sounds like full coverage is it?

No, in insurance parlance comprehensive coverage is for non accident caused damage to your vehicle but it is an important part of what is called a full coverage package. If your vehicle is stolen, damaged by hail, vandalized or has a broken windshield that is what the comprehensive insurance covers. Damage to your vehicle by an accident, liability, towing, medical payments and uninsured/underinsured motorist plus comprehensive make up a full coverage vehicle insurance plan.

Making Accurate Comparisons

When you get quotes to compare full coverage auto insurance policies, make sure that your specifications are the same for each policy. If you want $100,000 liability coverage, $500 deductible collision, $500 deductible comprehensive and $25,000 medical payments make sure you use that for all policies.If they do not offer quite the same specifications note that in your comparison. If you use the same specifications you will get the most accurate comparison.In that way you will be sure that you are comparing apples to apples! At QuoteUser it’s easy.

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